Privacy Policy

Effective date: May 1, 2023

Savology, Inc. and its affiliated companies (“Savology”, “us”, “we”, or “our”) operate the Savology.com website and associated web application under Savology.com subdomains (hereinafter collectively referred to as the “Service”).

This page informs you of our policies regarding the collection, use and disclosure of personal data when you use our Service and the choices you have associated with that data.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from Savology.com.

Definitions

Service

Service is the Savology.com website and web application operated by Savology, Inc.

Personal Data

Personal Data means data about a living individual who can be identified from those data or from those and other information either in our possession or likely to come into our possession.

Non-Personal Information

This is information about you or your household that doesn’t identify you personally or that has been aggregated or is no longer identifiable to a specific person.

Usage Data

Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

Cookies

Cookies are small files stored on your device (computer or mobile device).

Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service to you.

Types of Data Collected

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:

Email address
First name and last name, when together
Phone number
Address, State, Province,
ZIP/Postal code, City
Cookies and Usage Data

We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or the instructions provided in any email or message that we send.

Non-Personal Information

While using our Service, we may ask you to provide us with additional information that is not used to contact or identify you (“Non-Personal Information”). Non-Personally identifiable information may include, but is not limited to:

First name
Household income
Gender
Interests
Financial Goals
Financial Estimates

We may use your Non-Personal Information to provide recommendations that may be of interest to you. We may also use aggregated information that is not personally identifiable to identify and publicize facts or trends. You may opt out of this usage by requesting that your account be deleted, and your information purged.

Usage Data

We may also collect information on how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Location Data

We may use and store information about your location if you give us permission to do so (“Location Data”). We use this data to provide features of our Service, to improve and customize our Service.

You can enable or disable location services when you use our Service at any time by way of your device settings.

Tracking Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and we hold certain information.

Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyze our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

Session Cookies. We use Session Cookies to operate our Service.
Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
Security Cookies. We use Security Cookies for security purposes.

Credit Data

If you elect to enroll in additional services for seeing and monitoring your credit history and credit score, additional data may be collected by us and our service providers. This may include additional contact information such as your mailing address, sensitive information such as date of birth, driver’s license number, or social security number, or personal information to verify your identity, or financial information such as a credit card number.

Use of Data

Savology, Inc. uses the collected data for various purposes:

To provide and maintain our Service
To notify you about changes to our Service
To allow you to participate in interactive features of our Service when you choose to do so
To provide customer support
To gather analysis or valuable information so that we can improve our Service
To monitor the usage of our Service
To perform market research, project planning, product development, or behavior analysis
To identify and publicize facts or trends
To detect, prevent and address technical issues
To identify and provide you with news, special offers, recommendations, and general information about other goods, services and events which we offer or that our partners offer

If you elect to enroll in the additional credit services, Savology, Inc. also uses collected data for:

To verify your identity
To charge you agreed up on fees for products and services
To communicate with third parties as necessary to provide such products and services, such as identification verification companies, consumer reporting agencies, data provides, payment validation companies, law enforcement agencies, or others

Data Sharing

Your information, including Personal Data in some instances, may be shared with third parties in a variety of ways such as:

When you complete or update your financial survey or personal information, Non-Personal information may be sent to various partners via API for the purposes of determining and providing custom quotes, personalized recommendations, for calculating financial plan information, or for providing access to credit data.
When you click third party links, request more information, or ask for the services of affiliate or referral partners, we may send Personal Data or Non-Personal Information to a partner in order to pre-populate an application on the partners site. In some cases, if you click through to go to a partner’s site, you will automatically be sending your information to the partner, though it may require you to submit the application prior to being retained in their records. This information would then become subject to a partner’s privacy policy.
If you create an account through or link your account to a specific partner or employer, your information may be shared with that partner or employer. This sharing is normally done in a non-personally identifiable manner, aggregated with other users that enrolled through the same partner or employer, except in the case of relationships with financial advisors, financial planners, or other financial institutions which will be able to view all submitted information for the primary purpose of better understanding and serving you as a client. You can, however, disassociate your account from any partner by directly requesting such action in order to prevent any future sharing.
If you choose to post on a public forum or comment on blog posts, any information that you submit, or post, could be viewed by others or may otherwise be publicly available. If you choose to post personal information, other visitors may see and use this information.

Transfer of Data

Your information, including Personal Data, may be transferred to – and maintained on – computers or servers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.

If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

Savology, Inc. will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Data

Business Transaction

If Savology, Inc. is involved in a merger, acquisition or asset sale, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.

Disclosure for Law Enforcement

Under certain circumstances, Savology, Inc. may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Legal Requirements

Savology, Inc. may disclose your Personal Data in the good faith belief that such action is necessary to:

To comply with a legal obligation
To protect and defend the rights or property of Savology, Inc.
To prevent or investigate possible wrongdoing in connection with the Service
To protect the personal safety of users of the Service or the public
To protect against legal liability

Security of Data

The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. To protect your personal information from unauthorized access and use, we maintain physical, electronic, and procedural security measures that comply with state and federal laws and industry best practices and commercially acceptable means to identify threats and vulnerabilities and to take proactive measures to prevent them from being realized.

Access to personal information is granted to our associates only to provides services to our users or to serve other legitimate business needs.

Our Policy on “Do Not Track” Signals under the California Online Protection Act (CalOPPA)

We do not support Do Not Track (“DNT”). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.

You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.

Service Providers

We may employ third party companies and individuals to facilitate our Service (“Service Providers”), provide the Service on our behalf, perform Service-related services or assist us in analyzing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and have represented that the Service Provider will not disclose disclose this information or use it for any other purpose.

We take reasonable steps to determine that Service Providers maintain sufficient safeguard procedures to prevent, detect, and respond to security breaches. We have also implemented reasonable procedures for detecting and responding to widely-known failures by Service Providers.

Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service.

Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

Behavioral Remarketing

Savology, Inc. uses remarketing services to advertise on third party websites to you after you visited our Service. We and our third-party vendors use cookies to inform, optimize and serve ads based on your past visits to our Service.

Google Ads (AdWords)

Google Ads (AdWords) remarketing service is provided by Google Inc.

You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads

Google also recommends installing the Google Analytics Opt-out Browser Add-on – https://tools.google.com/dlpage/gaoptout – for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.

For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

Facebook

Facebook remarketing service is provided by Meta Platforms, Inc.

Facebook adheres to the Self-Regulatory Principles for Online Behavioral Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/ or opt-out using your mobile device settings where applicable.

For more information on the privacy practices of Facebook, please visit Facebook’s Data Policy: https://www.facebook.com/privacy/policy.

Payments

We may provide paid products and/or services within the Service. In that case, we use third-party services for payment processing (e.g. payment processors).

We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.

The primary payment processors we work is:

Stripe

Their Privacy Policy can be viewed at https://stripe.com/us/privacy.

Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click a third-party link, you will be directed to that third-party’s site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

Children’s Privacy

Our Service does not address anyone under the age of 18 (“Children”).

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without parental consent, we take steps to remove that information from our servers.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and update the “effective date” at the top of this Privacy Policy.

If changes are materially significant, we will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Privacy Notices

Our privacy policy is available for anyone who visits Savology.com to review online. For those that engage Savology, we provide an initial privacy notice on the sign-up page at the time the relationship is established. Thereafter, we may send out annual privacy notices where appropriate, delivered electronically as agreed by the user in the terms of service. We encourage our customers to carefully review the Privacy Notice, which contains important information regarding nonpublic personal information we collect, to what extent any information is shared, and how we safeguard that information.

Opt-Out

Users may opt-out of our information sharing practices as outlined herein by requesting their account to be deleted completely. Upon deletion, the only information retained would be for records purposes for anything subject to or regulated by state and federal laws, including the Gramm-Leach-Bliley act.

Contact Us

If you have any questions about this Privacy Policy, please contact us by email at support [at] savology [dot] com or by mail at PO BOX 538 Lehi, UT 84043.